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Hello ladies.

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Welcome to
the Hourly to

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Exit podcast.

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I'm very

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excited for our
episode today.

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I have Kathy
Sikorski,

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with us to talk
about some thing

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that will be
of interest to.

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All of us, which
is, very directly

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related to the
key value here at

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a exit, which is
getting more wealth

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in the hands of
women because we

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think that will
change the world.

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And so before
I introduce

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Kathy, I'm gonna
rattle off a few

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statistics about.

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Why it's so
important to get

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more wealth in the
hands of women.

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So I was reading
a recent Forbes

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article that said
that women tend to

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invest more than
90% of their assets

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in earnings back
into their families

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for nutrition,
education,

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healthcare,
and more.

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In contrast, men
only invest about

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44% of their
incomes back into

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their families.

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Women build wealth
to support a broader

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set of goals for
their family, for

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philanthropy, and
for the world.

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the stats I have
on my website,

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women give twice
as much of their

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wealth to charitable
causes than men.

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They're almost
twice as likely to

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say that the act
of donating is the

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most satisfying part
of having wealth.

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their financial
wellbeing is

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influenced by
their sense of

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responsibility
for others, for

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their families,
for the community,

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and for society.

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and that women
are nearly twice

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as likely as
men to say that

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they've discussed
philanthropy with

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their children,
which I think is

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a great stat so
that we're raising

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a generation of
charitable givers.

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And so of course
women aren't

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just generous
with their money.

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They're also
generous with

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their time.

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And so we are
gonna talk about

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that, our role
as caregivers and

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sometimes, perhaps
at our own expense.

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So with that, Kathy,
please introduce

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yourself to the

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audience.

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Hi everyone.

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I'm so happy to
be here, for so

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many reasons.

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To be invited
into this room to

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talk about what
I talk about.

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And what I do is
very expanding

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for all of us.

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And so I'm thrilled
to be here to talk

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about my topic,
which is I am

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an elder lawyer,
which means I deal

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with elder law
issues, Medicaid,

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Medicare, people
in nursing homes,

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social security, et
cetera, et cetera.

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But I have done
that for well over

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30 years, and I
have found that.

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Actually, elder law
isn't even, I was

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a regular lawyer
for one of a better

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word, elder law is
kind of new, and

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it's grown with
these issues of

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nursing homes and
Medicaid and the

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cost of care because
we're getting older.

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We're, baby boomers,
there's more of us.

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And so it's,
really kind of

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a newer field.

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So maybe 20 years
I've been doing it.

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but what I found
being a caregiver

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for eight different
family members and

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friends during this
period of time, not

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as my job, but as
a person with a big

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family who needs
help and is a the

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punitive expert in
the family, is that,

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women especially
tend to put aside

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their financial
wellbeing in order

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to what they think
is to create, Other

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wellbeing within
the family, and

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that isn't always
the wisest choice,

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and that isn't
always even the

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necessary choice.

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They don't even know
that there's options

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out there for them.

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So I feel like I
often have this

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twofold conversation
like number one.

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is it gonna cost
you money to

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be a caregiver?

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and number two
is there a way to

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get paid for doing
what you are doing

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as a caregiver
without putting

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your financial
future and wellbeing

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into jeopardy?

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Because it's very
likely that the

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person that you
are taking care

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of, which might be
a woman, your mom,

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your mother-in-law,
et cetera, has

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put herself in
financial jeopardy.

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That's why your
caregiving for her.

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Mm-hmm.

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So there's a lot
of, layers to

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this onion that we
could, unpeel that

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could go on for,
as you can imagine,

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days, hours, weeks.

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but the money part
is really important,

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and that's what I
actually love about

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your work, Erin,
is quite frankly,

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it's the money part.

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Right.

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We women have
lots of value.

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We have lots
of expertise.

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We have lots of
things that we bring

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to the table, but
for some reason

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we forget about
the money piece.

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Mm-hmm.

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we do, we value
our ourselves

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in so many ways.

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Yeah.

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So my, experience,
my expertise is

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in the legal part
of this and the

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financial part of
it because there's a

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huge piece to issues
in caregiving,

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and so I educate.

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People and now
I'm moving into

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corporations and
work and, financial

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advisors, et cetera,
about the legal

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and financial need
for preparation for

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everyone properly
so that no one

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gets left behind.

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Yeah, that's great.

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So, usually we were
talking before we

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started recording
about the, diversity

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of guests that I've
had on the podcast.

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And I will say
that typically

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I usually know
just enough to be

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dangerous about the
topics that they're

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going to cover.

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And on this one,
I feel fairly out

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of my death even
though it is,

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some legal issues.

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not because I'm
unfamiliar with

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it, but because
I've failed so

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spectacularly
in being, a

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caregiver myself.

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until very recently
I was, one of

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the sandwich
generation with a.

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Mother in her late
eighties and I

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have a teenager and
running a business

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and running a home
as a single woman.

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And so there are
all the things

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happening.

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And so, you talk
about, work life

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balance and which
I've found to be,

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maybe I don't know
what it means.

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So maybe we'll
talk there.

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Cause I feel like

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I just haven't

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quite cracked
that nut.

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So, tell me
how that, how

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you look at

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that.

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It's impossible.

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Good.

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It's not just
me, that's how

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I look at it.

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however, we can
get better at it.

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Mm-hmm.

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If we pay attention
to, resources that

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are available to
us to help us do

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better for ourselves
and our loved ones.

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Okay.

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So, there's lots of.

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People doing this
caregiving thing,

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there's people like
us who work for

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ourselves, right?

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And so when we
step out of the

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workforce, we're
stepping out

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of our own work
and our own,

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responsibilities
and maybe not

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taking on as many
clients and et

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cetera, et cetera.

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But there is
the whole, this

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53 million of
unpaid family

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caregivers are
not unpaid people.

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They're workers.

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Mm-hmm.

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They're working
at jobs where they

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actually go to work.

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And when I say go
to work, I just

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mean, maybe they're
working from home,

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but they have
time where they're

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putting in at work.

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Mm-hmm.

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And.

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so to educate our
audience about very

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simplistically,
let's start

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with the basics.

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You need to be
a caregiver.

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You need legal
things in place.

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You need to have
powers of attorney.

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You need to have
financial powers

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of attorney and
healthcare powers

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of attorney.

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These are the
32nd definition.

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It is a document
that you sign

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that gives the
authority to someone

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else to act as if
they are you in.

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Every possible
capacity, either

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with their finances
or their healthcare

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super powerful
document, you are

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giving someone
a great amount

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of authority.

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But if they are
incapacitated,

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whether it be
temporarily or

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permanently, they
need someone to

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take care of their
affairs for them.

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And that's what
everybody needs.

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And everyone 18
years of age or

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older in this
country should

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have one because
anybody can get hit

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by a bus tomorrow.

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Mm-hmm.

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And you may not be
able to handle your

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affairs, whatever
that means, right?

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They get more
complex as a

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document, as you
get more assets,

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as you get more
responsibilities

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or whatever.

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And so I'm just
saying that.

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The concept of a
power of attorney

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is very, very
often missed

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until it's very
late in the game.

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Oh my god.

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Mom is really sick.

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she's in the
nursing home.

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She's in the
hospital.

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I need, nobody will
let me do anything.

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I can't move her
money around.

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I can't pay
her bills cuz I

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don't have power
of attorney.

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Mm-hmm.

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Right.

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So if you know that
somebody you love,

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you're gonna have
to care for, or

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you're helping them,
make sure you have

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those documents,
you gotta have 'em.

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and everybody
talks about a will.

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They're great.

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I love wills.

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Yeah, they're great.

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But actually in
my world, wills

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are like the least
important thing.

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Mm-hmm.

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Because, Powers of
attorney are for

268
00:08:07,304 --> 00:08:08,924
live people who are
sick, and wills are

269
00:08:08,924 --> 00:08:09,704
for dead people.

270
00:08:09,764 --> 00:08:11,144
It's that
simple, right?

271
00:08:11,144 --> 00:08:11,234
Mm-hmm.

272
00:08:11,534 --> 00:08:13,334
And then in between,
that little niche

273
00:08:13,424 --> 00:08:15,104
is something that
we talk about living

274
00:08:15,104 --> 00:08:17,234
will and advanced
directives, which is

275
00:08:17,478 --> 00:08:19,604
if someone is in a
permanent vegetative

276
00:08:19,604 --> 00:08:21,644
state, what do
they want me to do?

277
00:08:22,454 --> 00:08:23,894
And in the
vernacular it's,

278
00:08:23,894 --> 00:08:24,944
do you want me to
pull the plug or

279
00:08:24,944 --> 00:08:25,664
not pull the plug?

280
00:08:25,694 --> 00:08:26,024
Really?

281
00:08:26,024 --> 00:08:26,834
That's what it is.

282
00:08:27,089 --> 00:08:27,354
Mm-hmm.

283
00:08:27,439 --> 00:08:29,474
So you gotta have
this conversation

284
00:08:29,474 --> 00:08:31,514
with your loved one
and you gotta have

285
00:08:31,514 --> 00:08:33,194
a piece of paper
that says so and

286
00:08:33,194 --> 00:08:34,634
not honestly not.

287
00:08:34,634 --> 00:08:36,314
Cause that piece of
paper is so great in

288
00:08:36,314 --> 00:08:37,334
a hospital setting.

289
00:08:37,702 --> 00:08:39,387
It's because
I am one of

290
00:08:39,387 --> 00:08:40,857
seven children.

291
00:08:41,297 --> 00:08:43,032
If my mom, 90 year
old mom, who is

292
00:08:43,032 --> 00:08:44,832
a hoot and a half
right now, and go

293
00:08:44,832 --> 00:08:46,482
on TikTok and look
me up, you'll see

294
00:08:46,482 --> 00:08:47,172
the two of us.

295
00:08:47,172 --> 00:08:49,302
We have a lot of
fun together, but

296
00:08:49,572 --> 00:08:51,492
if she goes to the
hospital, all these

297
00:08:51,492 --> 00:08:52,812
kids are coming
in with all their

298
00:08:52,812 --> 00:08:54,612
spouses and all
their grandchildren,

299
00:08:54,612 --> 00:08:55,782
and some of their
great-grandchildren

300
00:08:55,787 --> 00:08:57,612
will have 56 people
in a room trying

301
00:08:57,612 --> 00:08:58,962
to decide what do
we do with mom?

302
00:08:58,962 --> 00:09:00,252
She's in a
permanent vegetative

303
00:09:00,252 --> 00:09:01,212
state, right?

304
00:09:01,212 --> 00:09:01,722
Mm-hmm.

305
00:09:01,985 --> 00:09:02,630
I don't want that.

306
00:09:03,020 --> 00:09:04,220
I got a piece of
paper that mom

307
00:09:04,220 --> 00:09:05,420
signed that says,
this is what

308
00:09:05,420 --> 00:09:06,220
we're gonna do.

309
00:09:06,220 --> 00:09:06,516
Mm-hmm.

310
00:09:06,820 --> 00:09:08,570
And I say, I might
not even do this,

311
00:09:08,570 --> 00:09:10,820
but this is what mom
said and so this is

312
00:09:10,825 --> 00:09:11,570
what we're gonna do.

313
00:09:11,880 --> 00:09:13,880
It takes the decider
off the hook.

314
00:09:14,200 --> 00:09:16,810
So that's your
basic stuff, right?

315
00:09:17,134 --> 00:09:18,960
That does not
address at all

316
00:09:19,257 --> 00:09:22,104
the work-life
balance issue and

317
00:09:22,104 --> 00:09:25,974
the difficulty of
the cost of care.

318
00:09:26,282 --> 00:09:27,327
Obviously not
just financially,

319
00:09:27,327 --> 00:09:28,677
but physically,
emotionally.

320
00:09:29,135 --> 00:09:29,215
whatever.

321
00:09:29,215 --> 00:09:29,637
Mm-hmm.

322
00:09:29,687 --> 00:09:30,977
for people like you
and I who have their

323
00:09:30,977 --> 00:09:32,867
own business, we
don't have someone

324
00:09:33,107 --> 00:09:34,577
that's gonna give
us paid time off

325
00:09:34,925 --> 00:09:36,737
or family and
medical leave or,

326
00:09:36,767 --> 00:09:37,440
stuff like that.

327
00:09:37,637 --> 00:09:37,723
Right.

328
00:09:37,723 --> 00:09:38,413
It doesn't mean
there's not

329
00:09:38,763 --> 00:09:40,200
resources out
there for us, but

330
00:09:40,200 --> 00:09:41,610
it does mean that
it's a little bit

331
00:09:41,615 --> 00:09:42,720
harder for us.

332
00:09:43,020 --> 00:09:44,760
but here's two
things right off

333
00:09:44,760 --> 00:09:45,690
the top of my head.

334
00:09:46,036 --> 00:09:47,262
Get  paid.

335
00:09:47,555 --> 00:09:50,552
If your mom has
assets and she

336
00:09:50,552 --> 00:09:52,682
would pay a complete
stranger to come

337
00:09:52,682 --> 00:09:55,045
in and take care
of her, she can

338
00:09:55,045 --> 00:09:58,562
pay you the same
$25 an hour to pay.

339
00:09:58,562 --> 00:10:01,168
You get a contract
signed, preferably

340
00:10:01,173 --> 00:10:02,471
with a lawyer's,
approval.

341
00:10:02,471 --> 00:10:03,592
So it looks
like you're not

342
00:10:03,821 --> 00:10:05,975
self-dealing
and get paid.

343
00:10:06,268 --> 00:10:07,158
It might not be.

344
00:10:07,285 --> 00:10:09,618
You might earn $250
an hour, so it's

345
00:10:09,618 --> 00:10:11,628
not gonna make up
for that, but it

346
00:10:11,808 --> 00:10:13,518
keeps you in the
Social Security

347
00:10:13,523 --> 00:10:15,108
and 10 99 yourself,
by the way.

348
00:10:15,442 --> 00:10:16,282
It keeps you
in the Social

349
00:10:16,282 --> 00:10:17,272
Security loop.

350
00:10:17,683 --> 00:10:19,230
It keeps you in
the Social Security

351
00:10:19,230 --> 00:10:20,280
disability loop.

352
00:10:20,520 --> 00:10:23,700
You are still
getting paid right?

353
00:10:24,570 --> 00:10:24,850
Wow.

354
00:10:24,880 --> 00:10:25,370
Okay.

355
00:10:34,825 --> 00:10:36,085
So would you
have put this in

356
00:10:36,085 --> 00:10:37,945
place the same time
that you're putting

357
00:10:37,945 --> 00:10:38,905
together the other,

358
00:10:39,226 --> 00:10:40,066
because otherwise,
like, let's

359
00:10:40,066 --> 00:10:40,426
say they're

360
00:10:40,431 --> 00:10:41,296
already in capacity.

361
00:10:41,296 --> 00:10:41,446
Sure.

362
00:10:41,446 --> 00:10:43,066
They can't enter
this agreement.

363
00:10:43,246 --> 00:10:44,056
Why not?

364
00:10:44,236 --> 00:10:44,926
Of course.

365
00:10:44,931 --> 00:10:45,556
Why not?

366
00:10:45,706 --> 00:10:46,576
you don't have
to take the

367
00:10:46,581 --> 00:10:47,206
money right away.

368
00:10:47,206 --> 00:10:47,296
Mm-hmm.

369
00:10:47,536 --> 00:10:48,856
But honestly, the
other thing I say is

370
00:10:48,861 --> 00:10:49,936
if you really don't
need the money,

371
00:10:49,966 --> 00:10:50,686
take it anyway.

372
00:10:50,686 --> 00:10:51,676
Because two things.

373
00:10:51,676 --> 00:10:53,416
Number one, put
it in your ira.

374
00:10:53,806 --> 00:10:53,926
Mm-hmm.

375
00:10:54,196 --> 00:10:56,776
You're losing time
to create wealth for

376
00:10:56,776 --> 00:10:57,946
you in your future.

377
00:10:58,380 --> 00:10:59,721
In case this
happens to you.

378
00:10:59,721 --> 00:10:59,811
Right?

379
00:10:59,871 --> 00:11:01,533
So if you really
don't need 20, put

380
00:11:01,533 --> 00:11:02,223
it in your ira.

381
00:11:02,463 --> 00:11:02,613
Mm-hmm.

382
00:11:02,853 --> 00:11:03,003
Right?

383
00:11:03,259 --> 00:11:07,146
And secondly, it is
a way for you to put

384
00:11:07,516 --> 00:11:08,526
everyone on notice.

385
00:11:08,749 --> 00:11:10,713
And I am
working here.

386
00:11:11,079 --> 00:11:11,259
Mm-hmm.

387
00:11:11,511 --> 00:11:12,261
somebody said
something to me

388
00:11:12,266 --> 00:11:13,311
very interesting
yesterday.

389
00:11:13,311 --> 00:11:14,551
She said, me and
my sister, my

390
00:11:14,551 --> 00:11:16,291
mom got very sick
very quickly.

391
00:11:16,691 --> 00:11:17,581
They were in
their thirties.

392
00:11:17,921 --> 00:11:18,881
they weren't
prepared.

393
00:11:18,881 --> 00:11:20,201
Their dad was
living, but they

394
00:11:20,201 --> 00:11:22,031
came in to do the
hands-on, and she

395
00:11:22,031 --> 00:11:23,981
said the saddest
part for me was we

396
00:11:23,981 --> 00:11:25,901
spent so much time
being caregivers,

397
00:11:25,901 --> 00:11:27,581
we didn't spend
time with my mom

398
00:11:27,901 --> 00:11:29,641
as daughters while
she was dying.

399
00:11:29,681 --> 00:11:30,031
Mm.

400
00:11:30,271 --> 00:11:30,361
Mm-hmm.

401
00:11:30,631 --> 00:11:31,861
Oh God, this
is really, it

402
00:11:31,866 --> 00:11:33,271
hurt, it breaks
my heart, right?

403
00:11:33,276 --> 00:11:35,319
That they
couldn't be.

404
00:11:35,319 --> 00:11:37,647
In the relationship
of mom and daughter,

405
00:11:37,647 --> 00:11:39,327
because they
had to call the

406
00:11:39,327 --> 00:11:41,277
doctor, they had
to make sure the

407
00:11:41,337 --> 00:11:42,537
hospice was coming.

408
00:11:42,537 --> 00:11:44,878
They had to, give
her a  sponge

409
00:11:44,878 --> 00:11:47,685
bath if somebody
had put other

410
00:11:47,685 --> 00:11:48,885
money in place.

411
00:11:49,515 --> 00:11:50,415
That's the
second thing.

412
00:11:50,445 --> 00:11:51,765
Long-term care
insurance.

413
00:11:51,805 --> 00:11:52,415
Mm-hmm.

414
00:11:52,545 --> 00:11:53,935
If you can
afford that.

415
00:11:53,935 --> 00:11:54,455
Mm-hmm.

416
00:11:54,535 --> 00:11:55,245
And if you're
young, you can

417
00:11:55,250 --> 00:11:56,115
really afford it.

418
00:11:56,479 --> 00:11:58,068
If you put that
in place, it

419
00:11:58,068 --> 00:12:00,678
lets your family
be your family.

420
00:12:00,768 --> 00:12:01,378
Mm-hmm.

421
00:12:01,458 --> 00:12:01,938
Right.

422
00:12:02,118 --> 00:12:03,338
Yes, I agree.

423
00:12:03,343 --> 00:12:04,428
And honestly, if
they have to work

424
00:12:04,428 --> 00:12:05,688
for you, they
can get paid out

425
00:12:05,688 --> 00:12:07,428
of that kind of
a product too.

426
00:12:07,433 --> 00:12:07,818
Right.

427
00:12:08,359 --> 00:12:10,218
And then there's
a whole raft of

428
00:12:10,218 --> 00:12:12,218
organizations that
have come about in

429
00:12:12,218 --> 00:12:14,098
the last few years
because Medicaid

430
00:12:14,508 --> 00:12:16,608
has allowed them to
pay family members.

431
00:12:17,230 --> 00:12:17,720
Okay.

432
00:12:17,725 --> 00:12:18,800
Never spouses.

433
00:12:18,805 --> 00:12:19,240
Mm-hmm.

434
00:12:19,320 --> 00:12:20,280
But other
family members.

435
00:12:20,280 --> 00:12:20,560
Mm-hmm.

436
00:12:20,640 --> 00:12:22,820
And you may very
well, if your person

437
00:12:22,820 --> 00:12:25,100
is not a person of
assets or means they

438
00:12:25,100 --> 00:12:26,840
may qualify for a
Medicaid benefit and

439
00:12:26,845 --> 00:12:28,853
you can literally
work for them,

440
00:12:29,143 --> 00:12:29,876
and you get paid.

441
00:12:30,263 --> 00:12:30,473
Wow.

442
00:12:30,473 --> 00:12:32,843
So what if you have
a niece who is in

443
00:12:32,843 --> 00:12:33,953
college mm-hmm.

444
00:12:34,163 --> 00:12:36,520
And can do this
part-time paid.

445
00:12:37,240 --> 00:12:38,800
We have to get
ourselves out

446
00:12:38,800 --> 00:12:40,150
of the mindset
that this is.

447
00:12:40,815 --> 00:12:42,415
A gift that we
give to our loved

448
00:12:42,415 --> 00:12:44,185
ones, that we
make the supreme

449
00:12:44,705 --> 00:12:46,015
sacrifice of giving
up every other

450
00:12:46,015 --> 00:12:48,165
asset or financial,
thing that we

451
00:12:48,165 --> 00:12:50,055
have in order to
take care of mom.

452
00:12:50,360 --> 00:12:50,415
Mm-hmm.

453
00:12:50,660 --> 00:12:51,712
Because I'm not
saying you don't

454
00:12:51,772 --> 00:12:52,972
need to take
care of mom.

455
00:12:52,972 --> 00:12:54,828
That's wonderful
if you can, but

456
00:12:54,833 --> 00:12:56,658
money isn't the
problem here, isn't

457
00:12:56,658 --> 00:12:57,648
the evil one here?

458
00:12:57,653 --> 00:12:58,008
Mm-hmm.

459
00:12:58,518 --> 00:13:00,732
There's lots of
ways to transfer

460
00:13:00,732 --> 00:13:02,862
the money so
that, as I've said

461
00:13:02,862 --> 00:13:05,022
three times now,
you aren't mom

462
00:13:05,202 --> 00:13:06,822
30 years from now
with no money.

463
00:13:07,173 --> 00:13:07,383
Right.

464
00:13:07,383 --> 00:13:08,283
Especially if
there's no one to

465
00:13:08,283 --> 00:13:09,003
take care of you.

466
00:13:09,303 --> 00:13:09,573
Right.

467
00:13:09,770 --> 00:13:10,700
That is scary.

468
00:13:10,930 --> 00:13:12,443
Do you say a couple
things that I

469
00:13:12,443 --> 00:13:13,703
wanna just back up.

470
00:13:14,063 --> 00:13:14,093
Okay.

471
00:13:14,263 --> 00:13:16,183
And kinda just
relate my personal

472
00:13:16,188 --> 00:13:17,003
experience, frankly.

473
00:13:17,283 --> 00:13:19,138
one was about
the advanced

474
00:13:19,668 --> 00:13:21,928
directors of medical
directives and if

475
00:13:21,978 --> 00:13:24,018
you're loved, one
is, in a vegetative

476
00:13:24,018 --> 00:13:24,798
state or something.

477
00:13:25,151 --> 00:13:26,531
One of the things
that's happened with

478
00:13:26,531 --> 00:13:28,981
Covid and that I
have with my mother

479
00:13:29,164 --> 00:13:32,108
is that, They are
in the hospital

480
00:13:32,108 --> 00:13:35,943
and, and they are
awake, aware you

481
00:13:35,943 --> 00:13:38,435
can talk to them,
but you're can't

482
00:13:38,435 --> 00:13:38,975
be alone with them.

483
00:13:38,975 --> 00:13:39,605
At least they
couldn't at

484
00:13:39,605 --> 00:13:39,995
the time.

485
00:13:40,000 --> 00:13:41,805
I know things have
changed, and you're

486
00:13:41,805 --> 00:13:44,265
not allowed to
discuss their care.

487
00:13:44,270 --> 00:13:46,219
Like her doctors
would not allow me

488
00:13:46,219 --> 00:13:48,589
to ask her, what do
you want me to do?

489
00:13:49,000 --> 00:13:52,690
And so there can
be circumstances

490
00:13:52,695 --> 00:13:55,490
where you have
someone who.

491
00:13:56,215 --> 00:13:57,858
where there's,
for me there was

492
00:13:57,858 --> 00:14:00,965
a circumstance of
what do I do while

493
00:14:00,965 --> 00:14:03,722
she's deteriorating,
but still here?

494
00:14:04,752 --> 00:14:05,872
So, and yeah.

495
00:14:05,902 --> 00:14:06,232
Yeah.

496
00:14:06,232 --> 00:14:06,484
And,

497
00:14:06,484 --> 00:14:09,858
not wanting to miss
that window of being

498
00:14:09,863 --> 00:14:10,458
able to be with her.

499
00:14:10,705 --> 00:14:12,455
Well, of course the
first side is, it'd

500
00:14:12,455 --> 00:14:13,805
be great if we have
these conversations

501
00:14:13,805 --> 00:14:14,495
beforehand.

502
00:14:14,500 --> 00:14:14,855
Mm-hmm.

503
00:14:14,935 --> 00:14:15,055
Right?

504
00:14:15,365 --> 00:14:15,575
Yeah.

505
00:14:15,725 --> 00:14:16,655
So if you
can, if you're

506
00:14:16,660 --> 00:14:17,435
hearing this Mm.

507
00:14:17,765 --> 00:14:18,335
And you can.

508
00:14:18,996 --> 00:14:20,291
It's hard, but you
gotta go sit down.

509
00:14:20,791 --> 00:14:21,971
Honestly, 12
conversations, my

510
00:14:21,971 --> 00:14:23,931
book, that tells you
how to have some of

511
00:14:23,931 --> 00:14:24,951
these conversations.

512
00:14:24,981 --> 00:14:25,401
Right.

513
00:14:25,770 --> 00:14:27,030
you gotta have
the conversations.

514
00:14:27,035 --> 00:14:28,660
And if you can, and
you're fortunate

515
00:14:28,660 --> 00:14:29,530
enough to be
able to do that

516
00:14:29,530 --> 00:14:30,160
now, do that.

517
00:14:30,256 --> 00:14:31,266
but you're,
telling us a

518
00:14:31,271 --> 00:14:31,926
different story.

519
00:14:31,931 --> 00:14:32,736
You're saying
here we are

520
00:14:32,741 --> 00:14:33,576
in the crisis.

521
00:14:34,055 --> 00:14:36,125
I can't talk to
her about this.

522
00:14:36,125 --> 00:14:37,415
The doctors won't
let me, which is

523
00:14:37,415 --> 00:14:38,855
the craziest thing
I've ever heard.

524
00:14:38,855 --> 00:14:39,755
I don't even
understand what

525
00:14:39,755 --> 00:14:40,385
that means.

526
00:14:40,385 --> 00:14:40,685
But they

527
00:14:40,685 --> 00:14:42,815
said, well, but I
could not ask her

528
00:14:42,815 --> 00:14:43,535
for her opinion.

529
00:14:43,595 --> 00:14:44,705
like you have to
make the decision.

530
00:14:44,735 --> 00:14:45,335
You can't do that.

531
00:14:45,605 --> 00:14:46,998
It wouldn't, they
didn't consider

532
00:14:47,003 --> 00:14:49,588
her to be, able
to, contribute

533
00:14:49,918 --> 00:14:51,358
even though you
could talk to her

534
00:14:51,358 --> 00:14:52,408
and ask her how
she, you know.

535
00:14:52,468 --> 00:14:52,678
Yeah.

536
00:14:53,008 --> 00:14:53,668
okay.

537
00:14:54,028 --> 00:14:54,358
Well,

538
00:14:57,468 --> 00:14:58,698
Wait till they
leave the room.

539
00:14:59,748 --> 00:15:00,888
Well, they wouldn't
let me in the room.

540
00:15:01,168 --> 00:15:03,358
practical solutions
are sometimes better

541
00:15:03,358 --> 00:15:04,888
than any anyone's.

542
00:15:05,401 --> 00:15:07,741
but I guess that's
where family

543
00:15:07,741 --> 00:15:09,301
history comes
into play, right?

544
00:15:09,306 --> 00:15:11,161
I mean, it's your
mom and I hope that

545
00:15:11,161 --> 00:15:13,321
you know your mom
well enough to know

546
00:15:13,787 --> 00:15:16,097
you're gonna have
to make a decision.

547
00:15:16,187 --> 00:15:16,797
Mm-hmm.

548
00:15:16,951 --> 00:15:18,797
Based on what you
know about her in

549
00:15:18,797 --> 00:15:19,367
terms of history.

550
00:15:19,367 --> 00:15:19,457
Mm-hmm.

551
00:15:19,697 --> 00:15:21,970
I will tell you that
being this caregiver

552
00:15:21,970 --> 00:15:23,260
for eight different
family members and

553
00:15:23,260 --> 00:15:24,727
friends, yes, I've
had to make some

554
00:15:24,727 --> 00:15:28,177
tough decisions and
yes, I still live

555
00:15:28,177 --> 00:15:29,017
with some regrets.

556
00:15:29,547 --> 00:15:31,197
Not even to tell
you, oh, I made

557
00:15:31,197 --> 00:15:33,237
the wrong decision,
but did I make the

558
00:15:33,237 --> 00:15:34,077
right decision?

559
00:15:34,297 --> 00:15:36,007
it's more of a
question about

560
00:15:36,024 --> 00:15:37,040
that, right?

561
00:15:37,045 --> 00:15:37,260
Mm-hmm.

562
00:15:37,340 --> 00:15:37,660
Right.

563
00:15:37,660 --> 00:15:38,140
Mm-hmm.

564
00:15:38,510 --> 00:15:40,130
I honestly think
that's a case

565
00:15:40,135 --> 00:15:40,970
for therapy.

566
00:15:42,150 --> 00:15:45,320
It was, right?

567
00:15:45,873 --> 00:15:48,078
I mean, to be honest
with you, that's

568
00:15:48,078 --> 00:15:50,985
where I would have
to resolve that.

569
00:15:51,005 --> 00:15:51,325
Mm-hmm.

570
00:15:51,405 --> 00:15:53,592
Because, Even if
you've had all

571
00:15:53,592 --> 00:15:54,972
the conversations,
you've got all

572
00:15:54,972 --> 00:15:56,472
the paperwork,
you did all the

573
00:15:56,472 --> 00:15:59,285
right things,
crisis is crisis.

574
00:15:59,345 --> 00:15:59,435
Mm-hmm.

575
00:15:59,675 --> 00:16:01,235
And you're gonna
have to make

576
00:16:01,240 --> 00:16:03,305
decisions and
you're going

577
00:16:03,305 --> 00:16:05,889
to second guess
yourself later, if

578
00:16:05,894 --> 00:16:07,089
not in the moment.

579
00:16:07,739 --> 00:16:07,864
Right.

580
00:16:07,864 --> 00:16:08,304
Mm-hmm.

581
00:16:08,354 --> 00:16:09,464
and that's
part of it.

582
00:16:09,464 --> 00:16:13,017
and I will tell you
the beauty of so

583
00:16:13,022 --> 00:16:14,557
much attention being
given to caregiving

584
00:16:14,557 --> 00:16:16,177
now, and it's
taken a long time.

585
00:16:16,177 --> 00:16:16,957
Do you know Erin?

586
00:16:16,957 --> 00:16:18,277
I looked up
yesterday cuz I

587
00:16:18,277 --> 00:16:19,057
was quoting her.

588
00:16:19,057 --> 00:16:20,257
Rosalyn Carter
started the

589
00:16:20,257 --> 00:16:24,817
Institute for
Caregivers in 1987.

590
00:16:25,057 --> 00:16:25,507
Wow.

591
00:16:25,832 --> 00:16:29,792
35 years, this
woman, and she's

592
00:16:29,792 --> 00:16:30,782
still alive, as
you may know.

593
00:16:30,782 --> 00:16:30,842
Yeah.

594
00:16:30,872 --> 00:16:33,722
Almost hundred years
is still fighting

595
00:16:34,037 --> 00:16:36,392
for the rights
of caregivers and

596
00:16:36,392 --> 00:16:37,682
caregiving families.

597
00:16:37,802 --> 00:16:39,469
but the, thing,
because there's so

598
00:16:39,469 --> 00:16:41,089
much now, so many
organizations, so

599
00:16:41,089 --> 00:16:42,557
much, one of the
things that there's

600
00:16:42,837 --> 00:16:44,237
so much support
about, okay, you're

601
00:16:44,237 --> 00:16:45,557
gonna feel bad,
you're gonna have

602
00:16:45,557 --> 00:16:46,907
regrets, you're
gonna have guilt,

603
00:16:46,907 --> 00:16:48,687
you're gonna have,
all of those things.

604
00:16:49,237 --> 00:16:51,902
I would say, so the
answer is, since

605
00:16:51,902 --> 00:16:53,192
we're talking about
it, prepare as

606
00:16:53,192 --> 00:16:55,592
much as you can, do
the best you can.

607
00:16:55,802 --> 00:16:56,322
Mm-hmm.

608
00:16:56,402 --> 00:16:57,002
It's kind of
like raising

609
00:16:57,002 --> 00:16:57,782
children, isn't it?

610
00:16:58,082 --> 00:16:58,532
And.

611
00:16:58,634 --> 00:17:00,884
Talk to a therapist,
it's over.

612
00:17:03,644 --> 00:17:04,724
That is fair.

613
00:17:04,724 --> 00:17:05,834
That is fair.

614
00:17:06,644 --> 00:17:09,214
Now the other piece
of that was after my

615
00:17:09,214 --> 00:17:11,434
mother passed, and
I am the executor

616
00:17:11,434 --> 00:17:12,624
of her will and.

617
00:17:13,644 --> 00:17:15,441
I felt, and I
kind of feel this

618
00:17:15,441 --> 00:17:16,521
way, I'm thinking
about that this

619
00:17:16,521 --> 00:17:18,651
with my kid, is
that, being the

620
00:17:18,651 --> 00:17:21,081
executor kind of has
interfered with my

621
00:17:21,086 --> 00:17:22,161
grief process and,

622
00:17:22,491 --> 00:17:24,231
which is exactly
what these daughters

623
00:17:24,231 --> 00:17:25,461
were saying to
me yesterday.

624
00:17:25,466 --> 00:17:25,731
Yeah.

625
00:17:25,736 --> 00:17:25,941
Yeah.

626
00:17:25,941 --> 00:17:26,271
Right.

627
00:17:26,701 --> 00:17:28,397
and, what are
the options for,

628
00:17:28,402 --> 00:17:29,837
people don't think
of anyone else

629
00:17:29,897 --> 00:17:31,923
being able to do
this for them.

630
00:17:31,923 --> 00:17:33,094
what are the options
if you're not,

631
00:17:33,255 --> 00:17:34,245
a rich person?

632
00:17:35,020 --> 00:17:36,810
You know the
thing, often the

633
00:17:36,810 --> 00:17:38,100
person making the
will thinks this

634
00:17:38,100 --> 00:17:40,344
is some kind of a
gift or an honor

635
00:17:40,344 --> 00:17:41,914
that they're giving
to let someone be

636
00:17:41,914 --> 00:17:42,724
their executor.

637
00:17:42,784 --> 00:17:42,904
Yeah.

638
00:17:42,904 --> 00:17:44,734
It is a dubious
honor at best.

639
00:17:44,739 --> 00:17:44,974
Yes.

640
00:17:45,934 --> 00:17:48,674
The business of
death is horrible.

641
00:17:48,674 --> 00:17:49,114
Mm-hmm.

642
00:17:49,199 --> 00:17:52,234
The business of
death, the only good

643
00:17:52,354 --> 00:17:54,154
redeeming quality,
in my opinion

644
00:17:54,154 --> 00:17:55,594
about the business
of death is quite

645
00:17:55,594 --> 00:17:58,024
frankly, keeps you
so busy that it.

646
00:17:58,497 --> 00:18:00,024
Tamps down your
grief until you

647
00:18:00,024 --> 00:18:01,564
have a chance
to sit in it.

648
00:18:01,564 --> 00:18:01,924
Mm-hmm.

649
00:18:01,974 --> 00:18:03,084
in a whole way.

650
00:18:03,294 --> 00:18:03,714
Right?

651
00:18:03,719 --> 00:18:03,934
Mm-hmm.

652
00:18:04,044 --> 00:18:04,134
Mm-hmm.

653
00:18:04,394 --> 00:18:06,944
so that may
have some value.

654
00:18:07,214 --> 00:18:07,304
Mm-hmm.

655
00:18:07,544 --> 00:18:08,834
Because you gotta
do some things.

656
00:18:09,074 --> 00:18:09,224
Right.

657
00:18:09,504 --> 00:18:11,494
I mean, nobody who
knows the job ever

658
00:18:11,494 --> 00:18:12,094
wants the job.

659
00:18:12,244 --> 00:18:12,904
Mm-hmm.

660
00:18:12,997 --> 00:18:16,635
but I would say,
That if you are in

661
00:18:16,865 --> 00:18:18,585
a position and you
are, working with

662
00:18:18,585 --> 00:18:20,475
a family member and
they have decided

663
00:18:20,475 --> 00:18:21,525
you're gonna be
this person and

664
00:18:21,525 --> 00:18:22,935
you know, you don't
want this cuz you're

665
00:18:23,195 --> 00:18:24,761
the caregiver,
encourage them to

666
00:18:24,761 --> 00:18:26,081
choose someone else.

667
00:18:26,081 --> 00:18:26,441
Mm-hmm.

668
00:18:26,761 --> 00:18:29,355
Someone who the
business part won't

669
00:18:29,355 --> 00:18:30,525
be daunting to them.

670
00:18:30,865 --> 00:18:30,955
Mm-hmm.

671
00:18:31,195 --> 00:18:32,755
It won't be
emotional to them.

672
00:18:32,881 --> 00:18:34,051
now in your case,
maybe you didn't

673
00:18:34,051 --> 00:18:35,971
have anyone, if
you're an only child

674
00:18:35,971 --> 00:18:38,125
or if your adult
child is an adult

675
00:18:38,125 --> 00:18:38,905
enough yet mm-hmm.

676
00:18:39,145 --> 00:18:39,715
They can't do it.

677
00:18:39,715 --> 00:18:39,955
Right.

678
00:18:39,955 --> 00:18:40,735
That kind
of a thing.

679
00:18:41,093 --> 00:18:42,773
I will tell you,
you're probably

680
00:18:42,773 --> 00:18:43,673
not gonna like
this answer,

681
00:18:43,673 --> 00:18:45,323
but I don't like
sharing that job.

682
00:18:45,893 --> 00:18:47,828
Having two people
have the job,

683
00:18:47,828 --> 00:18:49,488
sounds like,
divide and conquer,

684
00:18:49,488 --> 00:18:51,348
but more, that's
more of a problem

685
00:18:51,348 --> 00:18:51,918
than anything.

686
00:18:52,218 --> 00:18:52,548
Mm-hmm.

687
00:18:52,554 --> 00:18:53,718
And you, having
done it, you would

688
00:18:54,098 --> 00:18:55,218
probably understand
having to sign

689
00:18:55,218 --> 00:18:57,048
papers, having
to be available

690
00:18:57,048 --> 00:18:58,787
to, go through
documents, whatever.

691
00:18:58,937 --> 00:19:00,977
If you need someone
else and they live

692
00:19:00,977 --> 00:19:03,123
in another state,
or they have a

693
00:19:03,123 --> 00:19:05,994
busy life just like
you, that's gonna

694
00:19:05,999 --> 00:19:08,343
extend this torture
longer than it

695
00:19:08,343 --> 00:19:09,063
needs to be done.

696
00:19:09,428 --> 00:19:10,280
So, right.

697
00:19:10,428 --> 00:19:11,178
I don't like that.

698
00:19:11,178 --> 00:19:11,988
And the third
thing I wanna

699
00:19:11,988 --> 00:19:12,918
say about this,
cuz it's really

700
00:19:12,918 --> 00:19:14,088
important, cause
old people love to

701
00:19:14,088 --> 00:19:15,798
make their oldest
child the executor

702
00:19:16,031 --> 00:19:16,788
or their son.

703
00:19:17,754 --> 00:19:19,428
Now they live in
Virginia, youngest

704
00:19:19,428 --> 00:19:20,208
only daughter.

705
00:19:20,808 --> 00:19:22,758
They live in
Virginia like you

706
00:19:22,763 --> 00:19:23,448
do, let's say.

707
00:19:23,448 --> 00:19:25,008
And their son
lives in Seattle

708
00:19:25,098 --> 00:19:26,508
and they're gonna
pick their son

709
00:19:26,508 --> 00:19:27,528
who's in Seattle.

710
00:19:27,588 --> 00:19:29,208
And I'm like, what
are you doing?

711
00:19:29,418 --> 00:19:29,568
Mm-hmm.

712
00:19:29,808 --> 00:19:31,638
I really,
really don't

713
00:19:31,638 --> 00:19:32,418
recommend this.

714
00:19:32,848 --> 00:19:34,228
It's not a
good idea.

715
00:19:34,529 --> 00:19:36,178
You've gotta pick
someone who's here,

716
00:19:36,268 --> 00:19:37,908
the, where the
estate is, where the

717
00:19:38,348 --> 00:19:40,068
physical need to do
the paperwork is.

718
00:19:40,321 --> 00:19:42,018
And I know we do a
lot of things online

719
00:19:42,018 --> 00:19:44,468
now, but trust me,
it's better to be

720
00:19:44,798 --> 00:19:46,148
where your stuff is.

721
00:19:46,318 --> 00:19:47,288
Yeah, absolutely.

722
00:19:47,288 --> 00:19:48,328
So, absolutely.

723
00:19:48,328 --> 00:19:50,667
So, yeah, and if
it's okay with

724
00:19:50,667 --> 00:19:52,377
you, I'd like to
veer a little left.

725
00:19:52,797 --> 00:19:52,947
Sure.

726
00:19:52,977 --> 00:19:54,747
Which is just
talk about work

727
00:19:54,747 --> 00:19:56,127
and caregiving
where people who

728
00:19:56,127 --> 00:19:57,717
work in corporate
America mm-hmm.

729
00:19:58,160 --> 00:20:00,078
You have so many
things available to

730
00:20:00,078 --> 00:20:01,278
you that you don't
even know about.

731
00:20:01,288 --> 00:20:02,158
for instance,
you probably have

732
00:20:02,158 --> 00:20:03,855
legal benefits,
but you haven't

733
00:20:03,855 --> 00:20:05,475
thought about it
in terms of a power

734
00:20:05,475 --> 00:20:07,005
of attorney or
powers of attorney

735
00:20:07,005 --> 00:20:07,725
for your parents.

736
00:20:08,031 --> 00:20:09,975
You think about it
if you have a D U I

737
00:20:09,975 --> 00:20:11,930
or if you have, an
accident, you need

738
00:20:11,930 --> 00:20:12,440
to get a lawyer.

739
00:20:12,895 --> 00:20:14,392
That's a really,
as I told you, the

740
00:20:14,802 --> 00:20:15,172
critical piece.

741
00:20:15,352 --> 00:20:17,032
If you have legal
benefits, use them

742
00:20:17,032 --> 00:20:18,922
for this part, for
the caregiving part,

743
00:20:19,162 --> 00:20:21,832
you can use it for
a family member.

744
00:20:22,072 --> 00:20:24,772
Well, this, okay,
maybe not, but

745
00:20:24,772 --> 00:20:26,092
I haven't met a
lawyer yet who

746
00:20:26,092 --> 00:20:27,442
said is gonna
say, no, no, no.

747
00:20:27,442 --> 00:20:28,822
I don't wanna do
any work for anybody

748
00:20:28,827 --> 00:20:29,752
else in your family.

749
00:20:29,782 --> 00:20:29,812
Okay.

750
00:20:30,142 --> 00:20:30,532
Oh yeah.

751
00:20:30,903 --> 00:20:32,872
You say, I'm
gonna come in,

752
00:20:32,962 --> 00:20:34,852
I'm gonna bring
my parents in and.

753
00:20:35,212 --> 00:20:37,102
Would you mind
giving us the same

754
00:20:37,102 --> 00:20:39,332
wonderful, 20% off
or whatever that

755
00:20:39,522 --> 00:20:39,882
you're giving me.

756
00:20:39,882 --> 00:20:40,082
Mm-hmm.

757
00:20:40,162 --> 00:20:40,982
And then I'm gonna
tell my brother

758
00:20:40,982 --> 00:20:42,872
and sister it's
probably not for

759
00:20:42,872 --> 00:20:44,342
your family members,
but lawyers don't

760
00:20:44,342 --> 00:20:45,302
turn business away.

761
00:20:45,332 --> 00:20:46,232
We're not in
the business

762
00:20:46,232 --> 00:20:46,952
of doing that.

763
00:20:47,042 --> 00:20:47,312
Mm-hmm.

764
00:20:47,557 --> 00:20:47,692
Mm-hmm.

765
00:20:47,772 --> 00:20:48,272
We want clients.

766
00:20:48,272 --> 00:20:49,442
Boy, do we
want families?

767
00:20:49,502 --> 00:20:50,949
That's even better.

768
00:20:51,099 --> 00:20:51,309
Right?

769
00:20:51,519 --> 00:20:53,349
So use your
legal benefits.

770
00:20:53,399 --> 00:20:53,819
yes.

771
00:20:53,979 --> 00:20:55,639
Use it for your
parents in whatever

772
00:20:55,639 --> 00:20:57,239
fashion you
can check out.

773
00:20:57,410 --> 00:20:58,155
Long-term care
insurance.

774
00:20:58,155 --> 00:20:59,415
Do you have
that at work?

775
00:20:59,420 --> 00:20:59,885
Mm-hmm.

776
00:20:59,965 --> 00:21:00,445
Check it out.

777
00:21:00,445 --> 00:21:01,005
Mm-hmm.

778
00:21:01,085 --> 00:21:02,205
Just at least
look at it.

779
00:21:02,385 --> 00:21:04,575
When my husband had
it many years ago,

780
00:21:04,575 --> 00:21:06,165
you could buy it
for your parents.

781
00:21:06,195 --> 00:21:07,125
How cool is that?

782
00:21:07,635 --> 00:21:07,845
Hmm.

783
00:21:07,845 --> 00:21:09,825
And it's coming back
in a big way as a

784
00:21:09,830 --> 00:21:10,845
corporate benefit.

785
00:21:10,875 --> 00:21:11,175
Yes.

786
00:21:11,175 --> 00:21:13,262
And if you're in
the C-suite, you can

787
00:21:13,262 --> 00:21:15,940
deduct that, premium
as a, deductible

788
00:21:15,940 --> 00:21:17,019
either I don't know
if it's a health

789
00:21:17,019 --> 00:21:18,362
cost or business
cost, but it's a

790
00:21:18,362 --> 00:21:19,562
deductible cost.

791
00:21:19,562 --> 00:21:20,072
Mm-hmm.

792
00:21:20,319 --> 00:21:21,579
do you know what,
may be available

793
00:21:21,579 --> 00:21:23,109
for people who
are self-employed

794
00:21:23,109 --> 00:21:24,069
or have

795
00:21:24,182 --> 00:21:24,409
so,

796
00:21:24,409 --> 00:21:25,619
so that's one
right there.

797
00:21:25,624 --> 00:21:26,879
Long-term care
insurance and

798
00:21:26,879 --> 00:21:28,379
then the deduction
of the premium.

799
00:21:28,469 --> 00:21:29,219
Absolutely.

800
00:21:29,309 --> 00:21:31,089
That's a perfect
example of that.

801
00:21:31,089 --> 00:21:32,519
So the businessing
P and then

802
00:21:32,609 --> 00:21:33,529
Yes, exactly.

803
00:21:33,739 --> 00:21:34,409
Exactly.

804
00:21:34,409 --> 00:21:34,889
Mm-hmm.

805
00:21:34,916 --> 00:21:36,806
and also obviously
in a work where you

806
00:21:36,806 --> 00:21:38,567
have paid time off
and you have F M L

807
00:21:38,572 --> 00:21:41,426
A and all of those
things, you can use

808
00:21:41,426 --> 00:21:43,736
them appropriately
for caregiving

809
00:21:43,736 --> 00:21:45,206
and caregiving
for the people.

810
00:21:45,206 --> 00:21:46,136
It used to be,
would, could only

811
00:21:46,141 --> 00:21:47,756
be your spouse, and
now they've expanded

812
00:21:47,761 --> 00:21:49,466
it to your parents
and I think they've

813
00:21:49,466 --> 00:21:50,936
even expanded
it more to other

814
00:21:50,936 --> 00:21:51,776
family members.

815
00:21:51,836 --> 00:21:51,926
Mm-hmm.

816
00:21:52,171 --> 00:21:53,756
So check that
out at work.

817
00:21:53,856 --> 00:21:54,836
and then you have.

818
00:21:54,886 --> 00:21:56,356
EAPs with a
mental health.

819
00:21:56,356 --> 00:21:57,856
Mental health is a
big deal right now.

820
00:21:57,856 --> 00:21:58,576
It's everywhere.

821
00:21:58,576 --> 00:21:59,806
We're all gonna pay
for mental health.

822
00:22:00,039 --> 00:22:01,622
Well, if nothing's
gonna give you more

823
00:22:01,712 --> 00:22:03,422
mental health stress
than caregiving,

824
00:22:03,422 --> 00:22:05,012
I don't know what
it is, right?

825
00:22:05,017 --> 00:22:05,152
Mm-hmm.

826
00:22:05,232 --> 00:22:05,752
Mm-hmm.

827
00:22:05,832 --> 00:22:06,452
Use that.

828
00:22:06,457 --> 00:22:06,992
Mm-hmm.

829
00:22:07,077 --> 00:22:09,273
Take advantage of
it just because

830
00:22:09,273 --> 00:22:11,089
you don't feel like
you're losing your

831
00:22:11,089 --> 00:22:13,266
mind, but you know
you're under extra

832
00:22:13,266 --> 00:22:15,196
stress Doesn't
mean you shouldn't

833
00:22:15,196 --> 00:22:16,636
be using a mental
health benefit.

834
00:22:16,676 --> 00:22:17,286
Mm-hmm.

835
00:22:17,416 --> 00:22:18,249
So, Yeah.

836
00:22:18,249 --> 00:22:18,849
And a lot of it

837
00:22:18,849 --> 00:22:21,819
is kind of delayed
kind of reaction.

838
00:22:21,874 --> 00:22:22,564
It is in it.

839
00:22:22,564 --> 00:22:23,619
You're just in
it, it's almost

840
00:22:23,798 --> 00:22:24,669
like survival

841
00:22:24,724 --> 00:22:27,604
and people are just
very unschooled

842
00:22:27,604 --> 00:22:29,484
about what they have
at work that Would

843
00:22:29,484 --> 00:22:31,524
be helpful in this
kind of a situation.

844
00:22:31,794 --> 00:22:31,974
Mm-hmm.

845
00:22:32,304 --> 00:22:32,634
Yeah.

846
00:22:32,902 --> 00:22:35,004
And if you, have
your own, you know,

847
00:22:35,048 --> 00:22:36,939
I am a solopreneur
and I have,

848
00:22:36,989 --> 00:22:38,339
health insurance
and through it

849
00:22:38,339 --> 00:22:40,619
I do have mental
health benefits.

850
00:22:40,619 --> 00:22:42,479
And so preneurs

851
00:22:42,765 --> 00:22:44,879
hopefully have that
element within their

852
00:22:44,879 --> 00:22:45,899
insurance as well.

853
00:22:46,152 --> 00:22:46,482
yeah.

854
00:22:46,752 --> 00:22:47,232
So

855
00:22:47,232 --> 00:22:48,132
tell me like,

856
00:22:48,487 --> 00:22:50,600
all this
costs money.

857
00:22:50,900 --> 00:22:54,140
Are there strategies
for, how people

858
00:22:54,140 --> 00:22:55,675
who are, this
audience is

859
00:22:55,675 --> 00:22:57,835
primarily founders
of service-based

860
00:22:57,835 --> 00:22:58,645
businesses.

861
00:22:59,065 --> 00:23:02,525
How they can, be, I
mean, strategies for

862
00:23:02,530 --> 00:23:05,805
them to help access
and pay for, these

863
00:23:05,805 --> 00:23:06,795
types of services.

864
00:23:07,395 --> 00:23:08,685
So, yes.

865
00:23:08,972 --> 00:23:10,442
It's almost always
gonna depend on

866
00:23:10,442 --> 00:23:11,818
whether you're,
the person you're

867
00:23:11,818 --> 00:23:13,738
caring for has means
or doesn't have

868
00:23:13,738 --> 00:23:14,548
means, all right?

869
00:23:14,553 --> 00:23:14,792
Mm-hmm.

870
00:23:14,888 --> 00:23:15,868
So if they have
means they're

871
00:23:15,868 --> 00:23:16,978
gonna have to use
their own money,

872
00:23:17,008 --> 00:23:18,868
but again, let 'em
pay you Even if

873
00:23:18,868 --> 00:23:20,188
you're bringing
in caregivers at

874
00:23:20,193 --> 00:23:22,228
$25 an hour, you
should still get

875
00:23:22,233 --> 00:23:23,178
paid for your work.

876
00:23:23,348 --> 00:23:23,618
Mm-hmm.

877
00:23:23,698 --> 00:23:26,027
Your, time should
be paid time.

878
00:23:26,087 --> 00:23:26,397
Mm-hmm.

879
00:23:27,621 --> 00:23:28,061
Get paid.

880
00:23:28,061 --> 00:23:28,621
Mm-hmm.

881
00:23:28,701 --> 00:23:29,421
10 99.

882
00:23:29,709 --> 00:23:31,846
so let's say your
parents are people

883
00:23:31,846 --> 00:23:33,856
of assets, then if
their assets are

884
00:23:33,856 --> 00:23:35,176
gonna be used to
pay for their care,

885
00:23:35,176 --> 00:23:36,376
that's typical.

886
00:23:36,861 --> 00:23:38,606
And also ask and
find out if they

887
00:23:38,606 --> 00:23:40,456
have long-term
care policies.

888
00:23:40,461 --> 00:23:41,906
I didn't find out
I was taking, my

889
00:23:41,906 --> 00:23:42,716
brother had ms.

890
00:23:42,716 --> 00:23:44,366
The worst kind,
very, very

891
00:23:44,390 --> 00:23:45,676
incapacitated
for a long time.

892
00:23:45,912 --> 00:23:47,142
3, 4, 5 years
into it.

893
00:23:47,142 --> 00:23:48,222
I found out he
had a long-term

894
00:23:48,227 --> 00:23:48,942
care policy.

895
00:23:49,122 --> 00:23:49,932
Oh my goodness.

896
00:23:50,112 --> 00:23:51,642
Oh, we got
it finally.

897
00:23:51,642 --> 00:23:52,657
we got all
the benefits.

898
00:23:52,662 --> 00:23:53,467
It was wonderful.

899
00:23:53,467 --> 00:23:55,447
But it's like,
where was that?

900
00:23:55,447 --> 00:23:55,967
Mm-hmm.

901
00:23:56,457 --> 00:23:58,617
So look through your
loved one's papers,

902
00:23:58,617 --> 00:23:59,967
cuz often they
don't even know what

903
00:23:59,967 --> 00:24:00,957
they have, right?

904
00:24:01,194 --> 00:24:02,249
So, and that's
a place where

905
00:24:02,254 --> 00:24:02,999
money lies.

906
00:24:03,226 --> 00:24:04,486
and sometimes they
have life insurance

907
00:24:04,486 --> 00:24:05,686
that has a long-term
care rider.

908
00:24:06,254 --> 00:24:07,874
That's a place
where money lies.

909
00:24:07,964 --> 00:24:08,114
Mm-hmm.

910
00:24:08,354 --> 00:24:09,764
Often they have
bought that and they

911
00:24:09,764 --> 00:24:10,973
forgot about it,
or they don't know

912
00:24:10,973 --> 00:24:11,783
how to start it.

913
00:24:11,813 --> 00:24:13,043
They don't know
how to implement

914
00:24:13,043 --> 00:24:13,463
it, right?

915
00:24:13,552 --> 00:24:13,823
Mm-hmm.

916
00:24:14,248 --> 00:24:15,353
Annuities often
have this thing,

917
00:24:15,576 --> 00:24:17,103
they're called
hybrid policies.

918
00:24:17,108 --> 00:24:18,443
Now, a lot of people
are buying these

919
00:24:18,448 --> 00:24:19,943
hybrid policies
that are long-term

920
00:24:19,948 --> 00:24:21,923
care policy riders
attached to a

921
00:24:21,923 --> 00:24:23,663
life insurance
benefit, so pay

922
00:24:23,663 --> 00:24:24,503
attention to that.

923
00:24:24,503 --> 00:24:25,943
If you're a
solopreneur and

924
00:24:25,943 --> 00:24:27,893
you're taking care
of a loved one, or

925
00:24:27,893 --> 00:24:29,184
if you wanna do it
for yourself, right?

926
00:24:29,423 --> 00:24:29,663
Mm-hmm.

927
00:24:29,743 --> 00:24:31,193
There's lots of
ways to protect.

928
00:24:31,933 --> 00:24:32,173
Yourself.

929
00:24:32,400 --> 00:24:33,565
for a long-term
care event.

930
00:24:33,815 --> 00:24:35,145
then there's
these agencies.

931
00:24:35,195 --> 00:24:36,755
if you're a person
without assets,

932
00:24:37,305 --> 00:24:39,065
Medicaid actually
has ways for

933
00:24:39,070 --> 00:24:39,965
you to get paid.

934
00:24:40,273 --> 00:24:41,435
Also, your
state will have

935
00:24:41,440 --> 00:24:43,205
things called a
waiver program.

936
00:24:43,285 --> 00:24:43,860
That's what
it's called.

937
00:24:43,860 --> 00:24:44,700
I don't know
why, but that's

938
00:24:44,700 --> 00:24:45,210
what it's called.

939
00:24:45,345 --> 00:24:45,434
Mm-hmm.

940
00:24:45,674 --> 00:24:47,418
Um, and if your
loved one is staying

941
00:24:47,418 --> 00:24:50,238
home, they are
entitled to benefits

942
00:24:50,682 --> 00:24:52,638
to allow someone to
help care for them.

943
00:24:52,638 --> 00:24:54,468
And that's a way
for you to also get

944
00:24:54,468 --> 00:24:55,818
paid without going
through an agency,

945
00:24:55,823 --> 00:24:57,708
just a person who's
caring for them

946
00:24:57,868 --> 00:24:59,748
and they qualify
for Medicaid that

947
00:24:59,753 --> 00:25:01,308
you almost always
have to do either

948
00:25:01,308 --> 00:25:02,928
through an elder
lawyer, which

949
00:25:03,048 --> 00:25:05,298
would be great,
or the area of.

950
00:25:05,400 --> 00:25:07,061
Agency, on aging.

951
00:25:07,061 --> 00:25:07,341
Mm-hmm.

952
00:25:07,661 --> 00:25:09,341
Everyone has one
somewhere, and it's

953
00:25:09,341 --> 00:25:10,341
called something
families, sometimes

954
00:25:10,341 --> 00:25:11,631
it's called, it's
called something

955
00:25:11,751 --> 00:25:12,261
like that.

956
00:25:12,565 --> 00:25:14,215
But there, every
state has 'em, every

957
00:25:14,220 --> 00:25:14,965
county has them.

958
00:25:14,970 --> 00:25:16,005
Everybody's got 'em.

959
00:25:16,165 --> 00:25:17,215
And that's where
you would get

960
00:25:17,220 --> 00:25:19,135
guidance on where
the money lies.

961
00:25:19,887 --> 00:25:20,697
so there's money.

962
00:25:20,757 --> 00:25:21,367
Mm-hmm.

963
00:25:21,717 --> 00:25:22,454
Now how you

964
00:25:22,454 --> 00:25:23,534
mentioned eight.

965
00:25:23,837 --> 00:25:24,647
You even
caregiver to

966
00:25:24,647 --> 00:25:27,860
eight people is true
story simultaneously

967
00:25:27,900 --> 00:25:28,700
sometimes.

968
00:25:28,767 --> 00:25:29,497
how did you do this?

969
00:25:29,857 --> 00:25:30,877
Sometimes it was
started out with

970
00:25:30,877 --> 00:25:32,977
my grandmother who
was 92 and came to

971
00:25:32,982 --> 00:25:34,297
live with me and
my two-year-old

972
00:25:34,297 --> 00:25:35,077
at the same time.

973
00:25:35,077 --> 00:25:36,757
So talk about a
sandwich, right?

974
00:25:36,817 --> 00:25:36,937
Mm-hmm.

975
00:25:37,182 --> 00:25:37,727
Mm-hmm.

976
00:25:37,837 --> 00:25:38,887
And those two
just loved

977
00:25:38,887 --> 00:25:39,607
ganging up on me.

978
00:25:39,607 --> 00:25:41,527
They thought it
was hilarious to

979
00:25:41,587 --> 00:25:43,684
be living this
life Of chaos.

980
00:25:44,734 --> 00:25:45,364
Of chaos.

981
00:25:45,787 --> 00:25:47,452
and then I had
several, great aunt,

982
00:25:47,452 --> 00:25:48,961
my mother-in-law, my
brother-in-law that

983
00:25:48,961 --> 00:25:49,801
I told you about Ms.

984
00:25:49,851 --> 00:25:51,349
while I was
the primary

985
00:25:51,349 --> 00:25:52,429
caregiver for my
brother-in-law

986
00:25:52,429 --> 00:25:52,879
who had ms.

987
00:25:52,879 --> 00:25:54,289
My very best friend
fell down a flight

988
00:25:54,289 --> 00:25:55,609
of stairs and had
a traumatic brain

989
00:25:55,609 --> 00:25:58,772
injury and her
husband of 34 years.

990
00:25:59,099 --> 00:25:59,429
Left.

991
00:25:59,429 --> 00:26:01,789
Her and She only
had friends, her

992
00:26:01,789 --> 00:26:03,109
children lived on
the other side of

993
00:26:03,369 --> 00:26:05,779
the country, and
so I became her

994
00:26:05,779 --> 00:26:06,739
primary caregiver.

995
00:26:06,739 --> 00:26:08,269
And then her, our
other friends also

996
00:26:08,269 --> 00:26:10,369
stepped up, so it
was simultaneous.

997
00:26:10,374 --> 00:26:10,709
Mm-hmm.

998
00:26:10,849 --> 00:26:12,369
And all the
while being a

999
00:26:12,369 --> 00:26:13,689
solopreneur, right?

1000
00:26:13,689 --> 00:26:13,969
Mm-hmm.

1001
00:26:14,149 --> 00:26:16,189
So, I'm not gonna
lie, my business

1002
00:26:17,366 --> 00:26:19,487
slowed down very
dramatically.

1003
00:26:19,517 --> 00:26:20,127
Mm-hmm.

1004
00:26:20,212 --> 00:26:22,402
but I'm also not
gonna lie and say

1005
00:26:22,402 --> 00:26:23,602
that that wasn't.

1006
00:26:23,922 --> 00:26:25,902
the key and the
impetus to create

1007
00:26:25,902 --> 00:26:26,772
what I do now.

1008
00:26:26,999 --> 00:26:28,544
So there's the
gift, right?

1009
00:26:28,664 --> 00:26:30,044
I see what's
happening and yeah.

1010
00:26:30,044 --> 00:26:30,734
it was hard.

1011
00:26:30,794 --> 00:26:31,904
Yeah, it was hard.

1012
00:26:31,994 --> 00:26:33,434
I spent a lot of
time taking care

1013
00:26:33,439 --> 00:26:36,314
of my kids and my
family members and

1014
00:26:36,319 --> 00:26:39,162
my friend, because
I could, and I will

1015
00:26:39,162 --> 00:26:41,802
tell you, I have
an amazing, awesome

1016
00:26:41,802 --> 00:26:42,832
husband mm-hmm.

1017
00:26:43,272 --> 00:26:45,462
Who was more than
willing to let me

1018
00:26:45,552 --> 00:26:46,722
be that person.

1019
00:26:46,842 --> 00:26:47,022
Mm-hmm.

1020
00:26:47,582 --> 00:26:50,162
That's probably
the biggest key.

1021
00:26:50,552 --> 00:26:50,912
Yeah.

1022
00:26:51,064 --> 00:26:51,388
And you

1023
00:26:51,393 --> 00:26:53,608
said, Work-life
balance does

1024
00:26:53,608 --> 00:26:54,568
not exist.

1025
00:26:54,628 --> 00:26:56,038
What's the
closest thing

1026
00:26:56,548 --> 00:26:57,598
that comes to it?

1027
00:26:57,688 --> 00:26:58,198
Like what?

1028
00:26:58,589 --> 00:26:58,708
How

1029
00:26:58,708 --> 00:26:59,477
do we protect
ourselves?

1030
00:26:59,638 --> 00:27:00,778
If you wait
long enough, it

1031
00:27:00,778 --> 00:27:01,318
comes around.

1032
00:27:05,122 --> 00:27:07,762
The closest thing
that comes to it is

1033
00:27:07,822 --> 00:27:12,563
recognizing that you
have to put yourself

1034
00:27:12,563 --> 00:27:14,766
first sometimes.

1035
00:27:15,196 --> 00:27:17,090
And not when you're
dead, and not when

1036
00:27:17,090 --> 00:27:18,560
you're exhausted,
and not when you're

1037
00:27:18,560 --> 00:27:19,940
yelling at everyone
because you've

1038
00:27:20,060 --> 00:27:21,740
just burnt out.

1039
00:27:22,029 --> 00:27:22,320
Mm-hmm.

1040
00:27:22,400 --> 00:27:23,390
That you have
to figure out

1041
00:27:23,390 --> 00:27:23,870
what that is.

1042
00:27:23,870 --> 00:27:26,657
So my, calendar
has, a workout in

1043
00:27:26,657 --> 00:27:27,647
it four days a week.

1044
00:27:27,814 --> 00:27:28,217
Right.

1045
00:27:28,434 --> 00:27:29,747
And that is
sacred time.

1046
00:27:30,017 --> 00:27:32,336
Nobody gets that
hour except my

1047
00:27:32,396 --> 00:27:33,446
trainer, who I hate.

1048
00:27:37,676 --> 00:27:38,902
it's like
that, right?

1049
00:27:38,942 --> 00:27:40,718
and if it's, only a
half hour, because

1050
00:27:40,718 --> 00:27:42,308
you have, there
was a time when I

1051
00:27:42,308 --> 00:27:44,378
had a 15 year old
and a 12 year old,

1052
00:27:44,378 --> 00:27:45,698
and I was taking
them to practice,

1053
00:27:45,698 --> 00:27:46,688
and my husband
was a traveling

1054
00:27:46,688 --> 00:27:48,188
salesman, so, right.

1055
00:27:48,193 --> 00:27:48,538
Mm-hmm.

1056
00:27:48,908 --> 00:27:50,408
Larry, my
brother-in-law

1057
00:27:50,408 --> 00:27:51,728
is five miles
from me in an

1058
00:27:51,733 --> 00:27:53,548
independent living,
but his wheelchair

1059
00:27:53,548 --> 00:27:53,998
broke down.

1060
00:27:53,998 --> 00:27:55,318
He can't get
anywhere.

1061
00:27:55,348 --> 00:27:55,588
Mm-hmm.

1062
00:27:55,668 --> 00:27:57,568
I have to
find, so yes.

1063
00:27:57,573 --> 00:27:58,028
Mm-hmm.

1064
00:27:58,113 --> 00:28:00,218
If it's a half hour,
I'm gonna read this

1065
00:28:00,218 --> 00:28:01,898
book and nobody's
gonna talk to me.

1066
00:28:02,118 --> 00:28:03,373
every night from
nine to nine

1067
00:28:03,373 --> 00:28:06,503
30, go away,
whatever it is.

1068
00:28:06,693 --> 00:28:07,953
and then it's
a bigger thing,

1069
00:28:07,953 --> 00:28:09,183
like those mental
health things,

1070
00:28:09,183 --> 00:28:12,773
like you've got to
not be, A martyr.

1071
00:28:13,133 --> 00:28:13,403
Mm-hmm.

1072
00:28:13,623 --> 00:28:13,823
Yeah.

1073
00:28:13,998 --> 00:28:14,838
The thing where
they tell you to

1074
00:28:14,838 --> 00:28:16,599
put your mask on
before you, in

1075
00:28:16,599 --> 00:28:18,522
the, if the oxygen
goes out in the

1076
00:28:18,522 --> 00:28:18,822
plane.

1077
00:28:19,597 --> 00:28:21,252
But my mom has
given me such great

1078
00:28:21,252 --> 00:28:22,092
martyr lessons.

1079
00:28:22,097 --> 00:28:24,252
It's really hard
to, let that

1080
00:28:24,252 --> 00:28:25,302
influence go.

1081
00:28:25,647 --> 00:28:27,582
And if she heard me,
she'd be like, okay.

1082
00:28:27,622 --> 00:28:28,602
She couldn't
hear me.

1083
00:28:28,602 --> 00:28:29,622
She's right
down the street.

1084
00:28:30,042 --> 00:28:31,902
Well, she gave you
those great jeans,

1085
00:28:31,902 --> 00:28:32,292
yeah.

1086
00:28:32,292 --> 00:28:32,712
Right.

1087
00:28:36,002 --> 00:28:37,292
so that's how
you get more

1088
00:28:37,292 --> 00:28:37,862
balance mm-hmm.

1089
00:28:38,262 --> 00:28:41,432
Is by, by shoving
it in that calendar.

1090
00:28:41,492 --> 00:28:41,582
Mm-hmm.

1091
00:28:41,827 --> 00:28:43,292
And then, I mean,
like everything,

1092
00:28:43,292 --> 00:28:44,942
right, Erin,
life just sort

1093
00:28:44,942 --> 00:28:46,052
of balances out.

1094
00:28:46,292 --> 00:28:46,382
Mm-hmm.

1095
00:28:46,622 --> 00:28:47,942
But I just don't
want you to be

1096
00:28:48,092 --> 00:28:49,682
destitute at
the end of it.

1097
00:28:50,042 --> 00:28:50,132
Mm-hmm.

1098
00:28:50,852 --> 00:28:52,082
That's what
I don't want.

1099
00:28:52,386 --> 00:28:52,982
Mm-hmm.

1100
00:28:53,002 --> 00:28:53,562
Right.

1101
00:28:54,304 --> 00:28:56,434
what if it's,
let's say you're

1102
00:28:56,644 --> 00:28:58,378
in your fifties and
you've been letting

1103
00:28:58,378 --> 00:28:58,948
all these things.

1104
00:28:59,257 --> 00:28:59,610
Then what?

1105
00:28:59,956 --> 00:29:01,486
So, you mean like
you don't have

1106
00:29:01,666 --> 00:29:03,256
long-term care
insurance and

1107
00:29:03,256 --> 00:29:04,740
you don't have,
so look it up.

1108
00:29:04,740 --> 00:29:05,550
I mean, at
least look,

1109
00:29:05,825 --> 00:29:07,903
pretending that
you can't have it.

1110
00:29:08,233 --> 00:29:08,773
Oh God.

1111
00:29:08,833 --> 00:29:10,213
Is this like the
biggest thing that

1112
00:29:10,213 --> 00:29:12,321
you do right in
your work, outside

1113
00:29:12,321 --> 00:29:13,131
of what we're
talking about, but

1114
00:29:13,131 --> 00:29:14,511
pretending that
you can't have it

1115
00:29:14,713 --> 00:29:15,951
because you don't
do any homework

1116
00:29:15,956 --> 00:29:17,481
about what that
actually means?

1117
00:29:17,722 --> 00:29:18,051
Mm-hmm.

1118
00:29:18,136 --> 00:29:19,731
Is the biggest
disservice you can

1119
00:29:19,731 --> 00:29:20,361
do to yourself?

1120
00:29:20,361 --> 00:29:21,211
Just look it up.

1121
00:29:21,401 --> 00:29:22,271
see what's
out there.

1122
00:29:22,271 --> 00:29:23,051
See what you have.

1123
00:29:23,473 --> 00:29:24,851
Talk to a
professional

1124
00:29:24,851 --> 00:29:26,050
who says, okay.

1125
00:29:26,405 --> 00:29:27,755
I see you have
four life insurance

1126
00:29:28,305 --> 00:29:28,625
policies here.

1127
00:29:28,625 --> 00:29:28,865
Why?

1128
00:29:28,865 --> 00:29:30,305
Maybe we can
consolidate them and

1129
00:29:30,305 --> 00:29:31,475
make sure there's
a long-term care

1130
00:29:31,480 --> 00:29:32,345
rider to that.

1131
00:29:32,345 --> 00:29:34,355
So now you're
protected and

1132
00:29:34,355 --> 00:29:35,727
do this one time
thing and get

1133
00:29:35,732 --> 00:29:36,927
your documents
in order, okay?

1134
00:29:37,277 --> 00:29:37,887
Mm-hmm.

1135
00:29:37,967 --> 00:29:38,277
You're done.

1136
00:29:38,337 --> 00:29:39,057
Great job.

1137
00:29:39,177 --> 00:29:39,267
Mm-hmm.

1138
00:29:39,512 --> 00:29:39,567
Mm-hmm.

1139
00:29:39,692 --> 00:29:40,167
Mommy's proud.

1140
00:29:40,197 --> 00:29:40,687
Yeah.

1141
00:29:40,887 --> 00:29:40,947
Yeah.

1142
00:29:41,247 --> 00:29:41,487
Yeah.

1143
00:29:41,487 --> 00:29:41,847
I will

1144
00:29:41,847 --> 00:29:43,317
say I'm one of
the people who's,

1145
00:29:43,317 --> 00:29:45,267
you know, done so
many things online

1146
00:29:45,267 --> 00:29:47,187
without kind of
that intermediary

1147
00:29:47,187 --> 00:29:49,301
professional,
like a broker,

1148
00:29:49,301 --> 00:29:51,044
for insurance or
even, for travel.

1149
00:29:51,314 --> 00:29:53,114
We kind of are used
to doing things

1150
00:29:53,119 --> 00:29:55,364
on our own, but
there are still.

1151
00:29:55,729 --> 00:29:57,619
Insurance brokers
in the world is that

1152
00:29:58,389 --> 00:30:00,809
we are and I believe
these are complex,

1153
00:30:00,809 --> 00:30:02,009
this isn't just
life insurance.

1154
00:30:02,109 --> 00:30:04,479
This is a complex
situation and I

1155
00:30:04,479 --> 00:30:05,769
really believe,
just like lawyers,

1156
00:30:06,132 --> 00:30:07,449
you can, I'm gonna
tell you right up

1157
00:30:07,449 --> 00:30:08,679
front, you can go
online and type in

1158
00:30:08,679 --> 00:30:09,549
power of attorney.

1159
00:30:09,599 --> 00:30:10,479
And something
will come up.

1160
00:30:10,996 --> 00:30:12,831
I'm not gonna ever
tell you to do that.

1161
00:30:12,831 --> 00:30:14,505
You can do it for
your 18 year old.

1162
00:30:14,505 --> 00:30:14,595
Mm-hmm.

1163
00:30:14,995 --> 00:30:16,555
Because you'll get
a standard document

1164
00:30:16,560 --> 00:30:17,685
and they don't
own anything, so

1165
00:30:17,685 --> 00:30:18,705
who cares, right?

1166
00:30:18,735 --> 00:30:18,915
Mm-hmm.

1167
00:30:19,155 --> 00:30:21,015
But if you have
an ira, if you

1168
00:30:21,015 --> 00:30:22,435
have somebody you
need, that you're

1169
00:30:22,435 --> 00:30:23,905
worrying about who
to be in charge of.

1170
00:30:24,235 --> 00:30:24,985
I think that's a

1171
00:30:24,985 --> 00:30:26,365
conversation with
a professional.

1172
00:30:26,745 --> 00:30:28,335
What kind of powers
do I really want

1173
00:30:28,335 --> 00:30:28,815
them to have?

1174
00:30:28,815 --> 00:30:29,865
What kind of
authority do I

1175
00:30:29,865 --> 00:30:31,155
really want this
person to have?

1176
00:30:31,405 --> 00:30:33,428
how much am I gonna
let them into my

1177
00:30:33,433 --> 00:30:35,628
stuff or not into my
stuff or, whatever.

1178
00:30:35,928 --> 00:30:38,298
I don't recommend
that you do

1179
00:30:38,298 --> 00:30:38,808
that online.

1180
00:30:38,868 --> 00:30:41,006
However, if it
is absolutely

1181
00:30:41,006 --> 00:30:43,599
impossible for you
to, and all lawyers

1182
00:30:43,604 --> 00:30:45,409
aren't ridiculously
out, outrageously

1183
00:30:45,414 --> 00:30:46,959
expensive, don't
think that either.

1184
00:30:46,959 --> 00:30:48,729
Cause it's not a
true story, also

1185
00:30:48,729 --> 00:30:49,569
not a true story.

1186
00:30:49,966 --> 00:30:51,376
You might end up
costing yourself

1187
00:30:51,376 --> 00:30:52,906
more money by doing
the wrong thing.

1188
00:30:53,306 --> 00:30:54,566
Than by spending
some money up

1189
00:30:54,566 --> 00:30:55,886
front and doing
the right thing.

1190
00:30:56,282 --> 00:30:56,582
We bring

1191
00:30:56,582 --> 00:30:57,962
up another point
like say you are

1192
00:30:57,962 --> 00:31:00,302
not married and
you need to find.

1193
00:31:00,679 --> 00:31:03,559
Someone to be
the Your person.

1194
00:31:03,589 --> 00:31:03,769
Yeah.

1195
00:31:03,769 --> 00:31:04,369
To your person.

1196
00:31:04,374 --> 00:31:05,959
Like, what should we
be looking for in,

1197
00:31:05,964 --> 00:31:06,379
okay.

1198
00:31:06,619 --> 00:31:08,329
So it has to be
a person that you

1199
00:31:08,334 --> 00:31:10,519
trust, that you
really, truly trust.

1200
00:31:10,542 --> 00:31:10,819
Mm-hmm.

1201
00:31:10,824 --> 00:31:12,369
That is going to
because in this

1202
00:31:12,369 --> 00:31:14,469
scenario you
can't, you're

1203
00:31:14,469 --> 00:31:16,809
incapacitated and it
could be temporary.

1204
00:31:17,033 --> 00:31:18,222
But you're
incapacitated.

1205
00:31:18,507 --> 00:31:20,942
Now I will say that
anybody who takes on

1206
00:31:20,942 --> 00:31:23,022
the job as a power
of attorney is by

1207
00:31:23,022 --> 00:31:24,372
law a fiduciary.

1208
00:31:24,767 --> 00:31:24,947
Right.

1209
00:31:25,039 --> 00:31:27,250
So by law they
are going to be

1210
00:31:27,250 --> 00:31:29,200
looked at if they
steal from you or

1211
00:31:29,290 --> 00:31:31,120
whatever, but you
don't want that.

1212
00:31:31,120 --> 00:31:32,110
You don't wanna
deal with that.

1213
00:31:32,502 --> 00:31:34,210
So you want someone
who you can trust.

1214
00:31:34,210 --> 00:31:35,020
You want
someone who's.

1215
00:31:35,653 --> 00:31:36,963
Probably financially
savvy on the

1216
00:31:36,963 --> 00:31:39,137
financial side, and
that might not be

1217
00:31:39,137 --> 00:31:39,767
the same person.

1218
00:31:39,767 --> 00:31:40,817
Maybe you want
two people,

1219
00:31:40,817 --> 00:31:43,067
someone who's
much more savvy or

1220
00:31:43,067 --> 00:31:45,017
compassionate on
the healthcare side.

1221
00:31:45,067 --> 00:31:45,757
don't pull the plug.

1222
00:31:45,757 --> 00:31:46,927
I'm having an
appendectomy.

1223
00:31:50,353 --> 00:31:51,613
Just cause I don't
think my brother

1224
00:31:51,613 --> 00:31:53,693
listens to this,
that he's financial

1225
00:31:53,693 --> 00:31:55,093
power attorney,
but somebody

1226
00:31:55,098 --> 00:31:56,123
else, the medical
power attorney.

1227
00:31:56,303 --> 00:31:56,903
Yes,

1228
00:31:56,953 --> 00:31:57,343
yes.

1229
00:31:57,348 --> 00:31:59,233
And, I agree
for people and

1230
00:31:59,238 --> 00:32:00,818
Florida, I'm in
Pennsylvania, so I

1231
00:32:00,818 --> 00:32:02,648
am only licensed to
practice law here.

1232
00:32:02,979 --> 00:32:04,808
But I will tell you
that Florida has,

1233
00:32:04,808 --> 00:32:05,948
apparently I got
a have friends in

1234
00:32:05,948 --> 00:32:07,568
Florida, there's
some weird thing

1235
00:32:07,568 --> 00:32:10,148
in there, laws
that says if your

1236
00:32:10,148 --> 00:32:13,254
executor has to be a
blood relative, Hmm.

1237
00:32:13,574 --> 00:32:14,144
I know.

1238
00:32:14,281 --> 00:32:15,601
And I didn't believe
my friend when she

1239
00:32:15,601 --> 00:32:16,741
told me that, I'm
like, that can't be

1240
00:32:16,741 --> 00:32:17,671
true, but mm-hmm.

1241
00:32:17,911 --> 00:32:18,451
It's true.

1242
00:32:18,734 --> 00:32:18,814
Hmm.

1243
00:32:18,814 --> 00:32:19,834
So what if you
don't have any

1244
00:32:19,834 --> 00:32:20,734
blood relatives?

1245
00:32:20,764 --> 00:32:21,004
Right.

1246
00:32:21,004 --> 00:32:21,634
Exactly.

1247
00:32:23,494 --> 00:32:24,394
Or what if you
don't like them?

1248
00:32:24,541 --> 00:32:24,736
Right.

1249
00:32:24,976 --> 00:32:25,756
You haven't
talked to them.

1250
00:32:25,756 --> 00:32:26,026
Yeah.

1251
00:32:26,026 --> 00:32:26,596
In 30 years.

1252
00:32:27,046 --> 00:32:27,536
Yeah.

1253
00:32:27,713 --> 00:32:28,563
so a person.

1254
00:32:29,154 --> 00:32:30,414
That you trust
in a person that

1255
00:32:30,414 --> 00:32:32,154
has knowledge
and capability.

1256
00:32:32,323 --> 00:32:34,031
Even if it's just
for a temporary

1257
00:32:34,036 --> 00:32:35,681
time, is the person
you and you should

1258
00:32:35,681 --> 00:32:37,601
talk to them first
and say, I'm going

1259
00:32:37,601 --> 00:32:39,431
to ask you if
something happens

1260
00:32:39,431 --> 00:32:40,631
to be this person.

1261
00:32:40,631 --> 00:32:41,141
Mm-hmm.

1262
00:32:41,144 --> 00:32:42,354
Will you do
that for me?

1263
00:32:42,684 --> 00:32:42,864
Yeah.

1264
00:32:42,954 --> 00:32:43,134
Yeah.

1265
00:32:43,139 --> 00:32:43,974
You definitely
don't want it to

1266
00:32:43,974 --> 00:32:44,844
be a surprise.

1267
00:32:44,904 --> 00:32:45,774
Oh no.

1268
00:32:46,764 --> 00:32:47,754
Not a good idea.

1269
00:32:47,754 --> 00:32:48,516
Because it can

1270
00:32:48,516 --> 00:32:50,046
be a fair
amount of work.

1271
00:32:50,046 --> 00:32:51,116
Absolutely, yes.

1272
00:32:51,711 --> 00:32:52,491
So

1273
00:32:52,521 --> 00:32:55,801
this is the Hourly
Exit podcast, and we

1274
00:32:55,801 --> 00:32:57,961
talk about building
a scalable and

1275
00:32:57,961 --> 00:32:59,491
saleable business.

1276
00:33:00,001 --> 00:33:02,371
And so in the
context of that,

1277
00:33:02,371 --> 00:33:03,476
for our

1278
00:33:04,226 --> 00:33:05,996
solopreneurs or
entrepreneurs,

1279
00:33:06,270 --> 00:33:09,120
where does this fit
into making sure

1280
00:33:09,120 --> 00:33:10,800
they're building a
solid, sustainable

1281
00:33:11,220 --> 00:33:11,340
business?

1282
00:33:11,820 --> 00:33:13,850
So here's the
thing, if you are

1283
00:33:13,855 --> 00:33:16,140
working on a solid,
sustainable business

1284
00:33:16,145 --> 00:33:18,540
right now, What do
you have in place

1285
00:33:18,540 --> 00:33:19,830
in case something
happens to you?

1286
00:33:20,100 --> 00:33:20,710
Mm-hmm.

1287
00:33:21,060 --> 00:33:22,270
Even if it's
temporary.

1288
00:33:22,511 --> 00:33:23,766
What happens if you
have to step out

1289
00:33:23,766 --> 00:33:25,026
for three months
or six months

1290
00:33:25,026 --> 00:33:27,220
because you got hit
by a car, right?

1291
00:33:27,280 --> 00:33:27,400
Mm-hmm.

1292
00:33:27,640 --> 00:33:28,600
What do you
have in place?

1293
00:33:28,876 --> 00:33:30,640
That's what Kathy
is trying to

1294
00:33:30,640 --> 00:33:31,450
get you to do.

1295
00:33:31,450 --> 00:33:31,540
Mm-hmm.

1296
00:33:32,070 --> 00:33:33,250
Put something in
place to give you

1297
00:33:33,250 --> 00:33:35,110
the peace of mind
so that what Erin

1298
00:33:35,110 --> 00:33:36,460
has done, which
has helped you

1299
00:33:36,460 --> 00:33:38,500
build this business
that will sustain

1300
00:33:38,500 --> 00:33:40,330
itself while
you're healing.

1301
00:33:40,721 --> 00:33:41,016
Right.

1302
00:33:41,316 --> 00:33:43,296
That's gonna keep
going and you're

1303
00:33:43,296 --> 00:33:44,766
gonna be over
here and all your

1304
00:33:45,196 --> 00:33:46,056
documents and
everything is in

1305
00:33:46,056 --> 00:33:47,826
place, and you don't
have to worry about

1306
00:33:47,826 --> 00:33:48,756
crisis planning.

1307
00:33:48,756 --> 00:33:49,316
Mm-hmm.

1308
00:33:49,546 --> 00:33:50,926
So these two
professionals

1309
00:33:50,926 --> 00:33:52,636
sitting at this
table now talking to

1310
00:33:52,636 --> 00:33:55,366
you have just given
you peace of mind.

1311
00:33:55,366 --> 00:33:55,996
Yeah.

1312
00:33:56,176 --> 00:33:56,506
Yeah.

1313
00:33:56,686 --> 00:33:58,956
So few people
think about that.

1314
00:33:59,006 --> 00:33:59,991
nobody thinks
they're gonna to

1315
00:33:59,991 --> 00:34:02,151
get hit by a bus
or get long covid

1316
00:34:02,151 --> 00:34:02,811
or whatever it is.

1317
00:34:02,811 --> 00:34:03,141
Right,

1318
00:34:03,191 --> 00:34:03,581
Function.

1319
00:34:03,581 --> 00:34:03,911
Yeah.

1320
00:34:03,911 --> 00:34:04,451
It's all sort.

1321
00:34:04,451 --> 00:34:04,871
Right.

1322
00:34:05,171 --> 00:34:05,321
Yeah.

1323
00:34:05,441 --> 00:34:07,241
I mean, and, it
could be as, I don't

1324
00:34:07,241 --> 00:34:08,441
wanna say simple
as long covid.

1325
00:34:08,441 --> 00:34:09,731
It could, because
that's not simple,

1326
00:34:09,731 --> 00:34:11,751
but it could be
as, Like, nobody

1327
00:34:11,751 --> 00:34:12,681
sees it but you.

1328
00:34:12,861 --> 00:34:13,761
I'm exhausted.

1329
00:34:13,761 --> 00:34:14,721
It's like
mono, right?

1330
00:34:14,801 --> 00:34:15,001
Mm-hmm.

1331
00:34:15,081 --> 00:34:16,671
I can do two hours
of work today and

1332
00:34:16,671 --> 00:34:17,511
then I am done.

1333
00:34:17,721 --> 00:34:18,586
I, am done.

1334
00:34:18,586 --> 00:34:20,296
I cannot do one
more minute.

1335
00:34:20,759 --> 00:34:20,926
Right?

1336
00:34:21,196 --> 00:34:23,776
And I need someone
to do my banking.

1337
00:34:23,776 --> 00:34:26,446
I need someone to go
get my car serviced.

1338
00:34:26,446 --> 00:34:28,426
I need someone,
somebody who

1339
00:34:28,426 --> 00:34:29,896
has authority
to do that.

1340
00:34:29,896 --> 00:34:31,456
Just go do that.

1341
00:34:31,696 --> 00:34:31,996
Yeah.

1342
00:34:32,386 --> 00:34:33,136
Peace of mind.

1343
00:34:33,526 --> 00:34:33,736
Yeah.

1344
00:34:33,916 --> 00:34:34,436
So smart.

1345
00:34:35,075 --> 00:34:36,376
So, I.

1346
00:34:36,409 --> 00:34:37,978
Typically don't
have lawyers on,

1347
00:34:37,978 --> 00:34:40,048
but I'll ask, are
you building your

1348
00:34:40,048 --> 00:34:42,328
business with an eye
towards selling it

1349
00:34:42,328 --> 00:34:42,688
someday?

1350
00:34:43,209 --> 00:34:44,340
Well, I'm not
building my

1351
00:34:44,340 --> 00:34:45,000
legal business.

1352
00:34:45,000 --> 00:34:45,690
I'm gonna
be perfectly

1353
00:34:45,690 --> 00:34:46,380
honest with you.

1354
00:34:46,380 --> 00:34:48,090
I'm actually more
your client than

1355
00:34:48,090 --> 00:34:49,886
I am a lawyer
because you can

1356
00:34:49,886 --> 00:34:52,256
see I got three
books behind me.

1357
00:34:52,256 --> 00:34:54,211
I've written three
books, and my.

1358
00:34:55,176 --> 00:34:58,602
Really, work life is
speaking to groups,

1359
00:34:58,602 --> 00:35:01,315
speaking to ideally
large corporations

1360
00:35:01,315 --> 00:35:03,085
who will bring in
their employees to

1361
00:35:03,085 --> 00:35:04,705
talk about these
kinds of issues,

1362
00:35:04,869 --> 00:35:07,045
but also about what
the employer can

1363
00:35:07,045 --> 00:35:09,489
do for them when
this caregiving

1364
00:35:09,494 --> 00:35:11,432
thing affects
them as a worker.

1365
00:35:11,432 --> 00:35:11,912
Mm-hmm.

1366
00:35:11,972 --> 00:35:12,092
Right.

1367
00:35:12,570 --> 00:35:13,522
So I'm a speaker.

1368
00:35:13,522 --> 00:35:15,022
I'm a speaker and
a writer more than

1369
00:35:15,022 --> 00:35:16,132
I am a lawyer.

1370
00:35:16,252 --> 00:35:16,492
Mm-hmm.

1371
00:35:16,732 --> 00:35:17,962
but family and
friends, you know,

1372
00:35:17,962 --> 00:35:19,132
there's eight
different family

1373
00:35:19,132 --> 00:35:19,882
members and friends.

1374
00:35:19,887 --> 00:35:21,652
Well, there's lots
more them around

1375
00:35:22,672 --> 00:35:23,182
really.

1376
00:35:23,182 --> 00:35:26,402
Cottage industry,
you have basically

1377
00:35:26,545 --> 00:35:27,395
family members.

1378
00:35:27,395 --> 00:35:27,715
Great.

1379
00:35:27,715 --> 00:35:29,865
Therefore, well
that's wonderful.

1380
00:35:29,865 --> 00:35:31,715
Well, thank you
for sharing that.

1381
00:35:31,914 --> 00:35:34,540
So as we wrap up
three final things.

1382
00:35:34,930 --> 00:35:37,350
One, the, goal
of my podcast

1383
00:35:37,350 --> 00:35:38,940
and my consulting
business is to

1384
00:35:38,940 --> 00:35:41,355
help create a more,
equitable economy,

1385
00:35:41,360 --> 00:35:42,735
one that works
for more of us.

1386
00:35:43,108 --> 00:35:44,295
And so I'd love
for people to

1387
00:35:44,295 --> 00:35:46,395
share a personal
organization who's

1388
00:35:46,395 --> 00:35:48,525
doing work in that
space that they'd

1389
00:35:48,525 --> 00:35:50,295
like the audience to
find out more about.

1390
00:35:50,642 --> 00:35:52,442
my favorite, I'm
on the board of

1391
00:35:52,442 --> 00:35:54,182
something called
Nancy's house.

1392
00:35:54,182 --> 00:35:56,762
And Nancy's house
breaks the isolation

1393
00:35:57,212 --> 00:35:57,992
of caregiving.

1394
00:35:58,022 --> 00:35:58,257
Mm-hmm.

1395
00:35:58,365 --> 00:36:00,316
And what we do
is, although we

1396
00:36:00,321 --> 00:36:02,175
have lots of small
programs that

1397
00:36:02,175 --> 00:36:04,210
you can join in
through Facebook,

1398
00:36:04,210 --> 00:36:05,500
the Facebook
group, just look up

1399
00:36:05,500 --> 00:36:07,540
Nancy's house and
you can come in for

1400
00:36:07,540 --> 00:36:09,940
group counseling
twice a month.

1401
00:36:10,277 --> 00:36:10,930
That's free.

1402
00:36:10,980 --> 00:36:11,790
we have.

1403
00:36:12,087 --> 00:36:14,097
Our main mission
is to break this

1404
00:36:14,097 --> 00:36:16,077
isolation by having
retreats that

1405
00:36:16,077 --> 00:36:18,567
are usually three
days long, three

1406
00:36:18,567 --> 00:36:21,000
days, two nights
in a five star.

1407
00:36:21,608 --> 00:36:23,238
Bed and breakfast
where we provide

1408
00:36:23,243 --> 00:36:25,488
counseling,
yoga, massages,

1409
00:36:25,742 --> 00:36:26,652
and love it.

1410
00:36:26,657 --> 00:36:28,232
There's only
10 people.

1411
00:36:28,295 --> 00:36:28,572
Mm-hmm.

1412
00:36:28,657 --> 00:36:30,212
So you actually
build a,

1413
00:36:30,212 --> 00:36:32,067
community right
there of people

1414
00:36:32,067 --> 00:36:33,687
who understand
what you're

1415
00:36:33,687 --> 00:36:34,257
going through.

1416
00:36:34,257 --> 00:36:34,317
Yeah.

1417
00:36:34,527 --> 00:36:36,417
it is a wonderful,
wonderful

1418
00:36:36,422 --> 00:36:37,257
organization.

1419
00:36:37,377 --> 00:36:37,617
Yeah.

1420
00:36:37,707 --> 00:36:38,097
Oh, that's

1421
00:36:38,097 --> 00:36:38,847
fantastic.

1422
00:36:38,847 --> 00:36:39,717
Thank you for that.

1423
00:36:40,107 --> 00:36:43,107
And so is there
something exciting

1424
00:36:43,112 --> 00:36:43,857
happening in
your business

1425
00:36:43,857 --> 00:36:44,757
or something
new that you'd

1426
00:36:44,757 --> 00:36:45,267
like to tell us

1427
00:36:45,267 --> 00:36:47,107
about or an offer
for the audience?

1428
00:36:47,337 --> 00:36:48,027
You like to share?

1429
00:36:48,087 --> 00:36:49,837
Well, I always
offer this to

1430
00:36:50,017 --> 00:36:50,887
any audience.

1431
00:36:50,892 --> 00:36:52,597
You can contact me.

1432
00:36:52,647 --> 00:36:53,697
I'm sure we're
gonna give you

1433
00:36:53,697 --> 00:36:54,297
it in the notes.

1434
00:36:54,302 --> 00:36:54,927
Yes, everything.

1435
00:36:54,927 --> 00:36:55,887
Share notes,
absolutely.

1436
00:36:55,892 --> 00:36:57,957
Kathy dot sikorski
gmail.com and I

1437
00:36:57,957 --> 00:36:59,217
will talk to you
for half hour

1438
00:36:59,222 --> 00:37:00,687
about anything you
wanna talk about.

1439
00:37:00,687 --> 00:37:02,067
We can talk about
my earrings, we

1440
00:37:02,067 --> 00:37:03,387
can talk about
caregiving, we

1441
00:37:03,392 --> 00:37:03,897
can talk about.

1442
00:37:04,333 --> 00:37:06,337
But I will talk
to you hopefully

1443
00:37:06,337 --> 00:37:07,777
about these
important issues.

1444
00:37:07,777 --> 00:37:09,113
If you have any
questions, as I

1445
00:37:09,113 --> 00:37:10,073
said, I'm only
licensed in

1446
00:37:10,073 --> 00:37:11,483
Pennsylvania, but
I can give you some

1447
00:37:11,483 --> 00:37:13,613
general guidance
and if any real

1448
00:37:14,093 --> 00:37:15,353
personal questions
about caregiving

1449
00:37:15,353 --> 00:37:17,408
or whatever,
yes, you get 30

1450
00:37:17,413 --> 00:37:18,428
minutes of my time.

1451
00:37:18,738 --> 00:37:19,128
Wonderful.

1452
00:37:19,128 --> 00:37:19,278
That

1453
00:37:19,278 --> 00:37:19,968
is so generous.

1454
00:37:19,968 --> 00:37:20,568
Thank you.

1455
00:37:20,914 --> 00:37:22,628
And so finally,
where can people

1456
00:37:22,628 --> 00:37:23,708
find you in
addition to your

1457
00:37:23,713 --> 00:37:25,128
website, which
you just, shared?

1458
00:37:25,128 --> 00:37:26,658
Are there other
places you hang out

1459
00:37:26,658 --> 00:37:27,738
online that we can

1460
00:37:27,738 --> 00:37:28,008
find?

1461
00:37:28,098 --> 00:37:29,118
Oh gosh, yeah.

1462
00:37:29,123 --> 00:37:30,498
Just Google
me, honestly.

1463
00:37:30,503 --> 00:37:32,058
I'm like the
first four pages

1464
00:37:32,058 --> 00:37:32,898
under my name.

1465
00:37:32,898 --> 00:37:35,478
If you can type
Kathy Sikorski, you

1466
00:37:35,478 --> 00:37:37,248
will see everything
that I am doing.

1467
00:37:37,248 --> 00:37:38,088
I'm on LinkedIn.

1468
00:37:38,093 --> 00:37:39,588
Feel free to connect
with me on LinkedIn.

1469
00:37:39,588 --> 00:37:41,208
I love connecting
with people in.

1470
00:37:41,243 --> 00:37:42,863
All kinds of
work on LinkedIn

1471
00:37:42,863 --> 00:37:44,483
because caregiving
touches everyone.

1472
00:37:44,619 --> 00:37:46,493
So connect with
me on LinkedIn.

1473
00:37:46,623 --> 00:37:48,033
I'm on Amazon
for my books.

1474
00:37:48,133 --> 00:37:50,805
so just type in
my name again and,

1475
00:37:50,845 --> 00:37:52,525
you will see lots
of things that I'm

1476
00:37:52,525 --> 00:37:54,265
doing in terms of
writing articles

1477
00:37:54,265 --> 00:37:56,305
for people and on
podcasts and, yeah.

1478
00:37:56,666 --> 00:37:56,996
Wonderful.

1479
00:37:56,996 --> 00:37:57,716
I'm everywhere.

1480
00:37:58,046 --> 00:37:58,976
Thank you so much.

1481
00:37:58,976 --> 00:37:59,126
You've

1482
00:37:59,126 --> 00:38:00,326
been incredibly
generous with

1483
00:38:00,326 --> 00:38:01,616
your time and
your wisdom.

1484
00:38:01,676 --> 00:38:02,606
Much appreciated.

1485
00:38:02,726 --> 00:38:04,556
Erin, thank you so
much for having me.

1486
00:38:04,556 --> 00:38:05,996
I think this is
such an important

1487
00:38:05,996 --> 00:38:07,946
conversation and I'm
so honored that you

1488
00:38:07,946 --> 00:38:09,746
recognize that as
well, so I really

1489
00:38:09,746 --> 00:38:11,036
truly appreciate it.

1490
00:38:11,458 --> 00:38:11,953
Thank you.